Long Term Care Certification Practice Test

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Prepare for the Long Term Care Certification Exam. Use flashcards and multiple choice questions, with each question offering hints and explanations. Ace your exam with confidence!

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

Practice this question and more.

What is the primary role of the agent referred to as the "Field Underwriter"?

To manage claims for the insurer
To determine premium rates for clients
To gather information for the insurer
To supervise other agents in the field

The correct answer is: To gather information for the insurer

The primary role of the agent known as the "Field Underwriter" is to gather information for the insurer. This involves assessing the risks associated with potential clients by collecting relevant data, such as medical history, lifestyle choices, and other factors that might affect insurability. By thoroughly obtaining and verifying this information, the Field Underwriter helps the insurance company make informed decisions regarding underwriting and policy issuance. In this role, the Field Underwriter acts as a crucial link between the insured and the insurer, ensuring that accurate and comprehensive information is available to evaluate the risks and establish appropriate coverage. This process is essential because it directly influences the terms of the policy and the premiums assigned to clients based on their specific risk profiles.